In partnership with

Good afternoon Insurance Heroes! 🦸🏼‍♂️🦸🏼‍♀️

🚀 In Rough Notes' May 2025 feature, “Attracting, Engaging and Managing a Multigenerational Workforce,” Jennifer Palmieri highlights how insurance organizations can turn generational diversity into a competitive edge. With five generations now working side by side—from traditionalists to Gen Z—agencies, brokers, and carriers must tailor recruitment, engagement, benefits, and communication strategies to meet varying needs. While Gen Z values tech, social impact, and flexibility, older generations prioritize stability and career longevity. The key lies in flexible work models, personalized development paths, and inclusive, omnichannel communication. By fostering collaboration and valuing each generation’s strengths, insurance professionals can build more innovative, client-focused teams that mirror the diverse demographics they serve—driving long-term growth and success.✨

Now, let’s enjoy another day in the best industry in the world.

Let’s GOOOO!

😱This week’s OMG moment

🤖As of this week, both Erie Insurance and Philadelphia Insurance Companies are working diligently to restore their systems following cybersecurity incidents detected earlier in the month. Erie, whose systems went down on June 7, reported "steady progress" and ongoing efforts with cybersecurity experts to restore access for agents, customers, and employees. Similarly, Philadelphia Insurance has been addressing a June 9 network shutdown to contain suspicious activity, noting that full business operations will take time to resume. The outages have disrupted phone, email, and online services, but claim services remain available via phone. Both companies emphasized their commitment to resolving the issues as quickly and securely as possible.

🤔Are you still wondering how this could affect your small business (SMB) clients? Trust us, it’s a scary risk. Cyber attacks are here to stay and at RGS Limited, carriers and MGAs, can find bolt-on cyber liability solutions with no application and no underwriting. Learn more about Cyber Without Efforts. And make sure your carriers and MGAs are offering this coverage on their commercial policies for SMBs.

🫱🏼‍🫲🏼For Insurance Agents

🔥In 2024, the U.S. property and casualty (P&C) insurance industry achieved its best underwriting performance in over a decade, with a net combined ratio of 96.5%, a major improvement from 101.6% in 2023. This rebound was driven by sharp gains in personal lines, particularly private auto and homeowners insurance, both benefiting from higher rates and strategic reinsurance use. While commercial lines showed mixed results—stronger performance in property and commercial auto, but worsening loss ratios in liability segments like general liability and product liability—the overall outlook remains positive. Notably, workers’ compensation continues to shine with a profitable 88.8% combined ratio. For insurance professionals, 2024 proved that disciplined underwriting, rate adequacy, and targeted risk-sharing can fuel industry-wide stability, even in the face of catastrophe losses and economic uncertainty.

🚀 AI Made Easy for Insurance Pros! 🏆

Want to work smarter, not harder? HubSpot’s free “How to Use ChatGPT at Work” guide is packed with 100+ ready-to-use prompts to supercharge your workflow and boost efficiency. In just 30 minutes, discover the ins and outs of ChatGPT and master expert techniques to sidestep common AI challenges. Whether you’re streamlining client communications or speeding up policy research, this guide is your shortcut to AI success! 🧠⚡

👩🏼‍💻Grab it HERE and start automating like a pro! 🚀

👨‍👩‍👧‍👦Do you want to quote life insurance in seconds? Do you want your clients to quote life insurance in seconds? If this is the case, BackNine Insurance is your solution. BackNine is a FREE life insurance InsureTech that gives you direct access and appointments to multiple carriers in every State and Puerto Rico. Sign up with BackNine HERE and start enjoying the beauty of quoting and applying for life insurance in seconds. Oh, and make sure you tell our friend Blake at Backnine that you are part of the Fun Family 😉.

🌟Motivation

In a hard market, it’s easy to feel like we’re each navigating stormy seas alone—but here’s the truth: we’re stronger together. 💪 As insurance professionals, we’re not just selling policies—we’re protecting dreams, rebuilding futures, and guiding communities through uncertainty. This is our moment to lean on each other, share insights, and collaborate like never before. When carriers, agents, brokers, and partners unite with a common purpose, we turn challenges into breakthroughs. So let’s rise, not just as individuals, but as a united force in the greatest industry in the world! 🌟

📈In the fast-paced world of insurance, it’s tempting to chase quick wins with paid marketing—but real, lasting growth comes from playing the long game. 💼💡 Organic marketing is all about showing up consistently: sharing value, building trust, and nurturing relationships with your clients and community. It might feel slow at first, but over time, your reputation grows, your name circulates, and clients start coming to you. Unlike paid ads that disappear the moment you stop spending, organic marketing builds equity in your brand. So while paid campaigns can give you a boost, it’s the steady, relationship-driven efforts that turn insurance professionals into trusted advisors—and businesses into legacies. 🛡️

PRESENTED BY CYBER WITHOUT EFFORTS

🪄CARRIERS, MGAs, PEOs, CAPTIVES, AND WHOLESALERS

Check out the BEST bolt-on Cyber Liability Insurance Program for your commercial portfolio. Just add it to your portfolio with no cost, no minimum production, no applications, no underwriting, and see how everything grows. Grow your revenues, your retention, and your new business. It’s really that simple!!!

⚙️Technology

In a groundbreaking moment for medicine, a surgeon in Orlando, Florida performed a successful prostate cancer surgery on a patient in Angola—7,000 miles away—using a robotic telesurgery system. This first-of-its-kind FDA-approved trial demonstrated the power of fiber-optic technology and robotics to deliver life-saving care across continents. Dr. Vipul Patel of Advent Health’s Global Robotic Institute led the operation, highlighting the enormous potential for underserved areas worldwide and rural communities in the U.S. to gain access to specialized procedures. With enhanced precision, less invasiveness, and faster recovery times, this remote surgical breakthrough could revolutionize healthcare delivery. Now imagine what this level of innovation and connectivity can do for insurance professionals—from client support to claims handling, the future is wide open. 🧠💻🌍

🌎Around the World

🌍U.K. regulators have officially approved Aviva plc’s £3.7 billion ($5.02 billion) acquisition of Direct Line Insurance Group Ltd., clearing the way for the deal to potentially close by early July. The Financial Conduct Authority, Prudential Regulation Authority, and Solicitors Regulation Authority have all given the green light, while Aviva has waived the condition related to Competition and Markets Authority (CMA) approval, expressing confidence in receiving unconditional clearance by the July 10 deadline. Final steps include a court sanction hearing on July 1, with the transaction becoming effective that same day. Direct Line shares will be suspended from trading on July 2 and delisted on July 3, at which point new Aviva shares will be issued. Once completed, Aviva shareholders will hold 87.5% of the merged company, with Direct Line shareholders owning the remaining 12.5%.

😁Fun Fact

😂Here’s a “cool” and “FUN” Fact: last week we celebrated the PIA National Mid-Year Leadership Conference in conjunction with the PIA Northeast Convention. It was a full house with over 2,000 insurance professionals there. I mean, what an amazing event! During one of their luncheons, I was able to deliver remarks as President of PIA National. In my remarks, I highlighted the importance of unity and collaboration in the insurance industry. I believe that if we all keep working together as a team, we will enhance our industry and build a better and brighter future. To learn more about my remarks and the event in general, check out the PIA Northeast blog post.

😂Insurance Meme of the Week

Agents when they receive the signed BOR😂!

Do you have a funny insurance meme you would like to share? Send it over to us and we will gladly share it in our next newsletter. You will get the credit, of course 😉.

From the bottom of my heart, THANK YOU for being part of our Fun Family.

Please make sure you forward and share our newsletter with all your insurance friends and colleagues so they can sign up below.

I appreciate you,